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Advantage Service Insurance

695 Pierce Street, Suite 210
Erie, CO 80516

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Will condo insurance pay for the repair of my refrigerator?

Homeowners’ insurance can cover the repair of many different areas of the home, including appliances, depending on how the damage or malfunction occurred. It’s important to understand what’s covered and the terms of coverage for any given circumstance. A homeowner can take advantage of many bundled areas of coverage when it comes to their assets, liability, and other structures on their property. Our team at Advantage Service Insurance understands that property insurance includes many different coverage areas and can be challenging to navigate and understand. As a result, we’re committed to helping Erie, CO residents thoroughly understand homeowners insurance.

Terms and Conditions

Although homeowners insurance is designed to cover many different areas related to a person’s home, your homeowners’ policy terms are clearly outlined. Not every area will be eligible for coverage if damage occurs due to an event or situation that’s not covered. This is why an insurance agent takes his or her time to explain how coverage works and what situations are typically covered. Areas that aren’t covered generally are explained as well.

Will condo insurance pay for the repair of my refrigerator?

Typically, appliances are covered by a homeowners’ insurance policy. However, once again, the terms of coverage are governed by how the damage occurred. Your homeowner’s policy doesn’t cover manufacturer defects or issues and should be handled by the appliance manufacturer instead. Also, homeowners’ policy doesn’t cover appliances that become damaged or malfunction due to age and natural wear and tear over time. However, fire, perils and situations, and theft are typically covered by your policy. If you have more questions regarding homeowners insurance, call us. We’d be happy to help you explore your options. 

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